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Kristi Graham Scott

After working in the medical field for 18 years, I decided it was time for a career change. With the help of a friend, I was connected to Joe Bear, one of the owners of our company. He took a chance on me and I am forever grateful. Not only have I enjoyed working here, I love the company and the staff! Everyone is family and we all work together as a team!
This job as allowed me more time with my family and I am so thankful for that!

Loan Officer
NMLS # 1734162
205-516-6310
kristi@mortgageright.com

Apply With Kristi

Please note: You will be taken to an application page that will require you to create an account if you have not created one already.

Mortgage Loan Options

CONVENTIONAL MORTGAGE LOANS

  • Conventional loans are not insured by a government agency
  • Require a minimum 3% down payment
  • There are a variety of fixed and adjustable rate conventional loans to choose from
  • Generally carry strict guidelines on credit scores, loan to value ratios, debt to income and down payments
  • Interest rate varies based on credit score and loan term
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

FHA MORTGAGE LOANS

  • Great for first-time buyers and buyers with lower credit scores
  • FHA loans are not restricted to first-time home buyers or low-income buyers
  • Easier requirements for income and credit score
  • Minimum down payment 3.5% and lower closing costs
  • Mortgage Insurance may be less costly than private mortgage insurance (PMI)
  • Seller can contribute up to 6% of selling price to cover closing costs

USDA MORTGAGE LOAN

  • Special financing in USDA defined areas
  • Flexible credit guidelines and qualifying criteria
  • Lower than market interest rate
  • No down payment required
  • Closing costs can be seller-paid or rolled into the loan
  • Lower monthly private mortgage insurance (PMI)
  • Ability to finance upfront PMI

VA MORTGAGE LOAN

  • Eligible for Veterans who have or are actively serving in the military and surviving spouses of Veterans
  • Qualify with suitable credit, adequate income and valid Certificate of Eligibility
  • Borrow up to 100% with no money down and no mortgage insurance requirement
  • Veterans can refinance through the IRRRL (streamline refinance)
  • Can include cost of remodeling up to 103.15% appraised value
  • Offers 10, 15, 20, 25, 30 and 40 year repayment terms

JUMBO MORTGAGE LOAN

  • Financing for high-priced and luxury homes
  • Good option for self-employed buyers
  • Available for primary residences, second homes and investment properties
  • Flexible down payment minimum of 5% on loans up to $2 million
  • Mortgage insurance is not required
  • Jumbo cash out refinances up to 95% loan to value with no mortgage insurance

REVERSE MORTGAGE LOAN

  • Borrower remains the owner of the home
  • Can stay in your home without ever making another monthly mortgage payment
  • With a Reverse Mortgage, the borrower receives funds payable when the last borrower leaves
  • Borrowers must occupy the property as their principal residence
  • Protection against a declining housing market
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The Benefits Of Refinancing

If you are looking for a lower rate to ease cash flow or a shorter term to get your mortgage paid off sooner, we can help you make the RIGHT decision.

Getting a new mortgage to replace the original is called refinancing. This process allows the borrower an opportunity to obtain a different interest term and/or rate. The first loan is paid off, then the newly refinanced loan goes into effect.

It is common for people to refinance when they have equity in their home, which is the difference between the amount owed on their mortgage and the appraised value of the home. In that situation, the borrower has an option to “cash-out” (hence the term cash-out refinance) the value of their home equity allowing them to remodel their home, consolidate debt, pay for college, or other expenses. 

Remodel / Renovation

Lifestyle Upgrades

New Start-Up Business

New Baby on board / Adoption expense

Debt Consolidation

Education expense

significant Home damage

When she says 'yes'

Apply With Kristi

Testimonials

We started the process with another lender through Hometown Lenders, after almost 3 weeks into the process me and my fiancé just weren’t satisfied with the results we were getting, then we were referred to Kristi by my boss and she quickly gathered all the information she needed and quickly got to work, now I have to say, within 4 hours from the time I originally talked to Kristi she achieved more progress and satisfaction than the other lender did in 3 weeks, needless to say she brought us to the closing table from day one in 16 days, yes 16 days and completed the loan, absolutely the best in the business, if you need a mortgage, give this terrific woman a call today, great work Kristi, thank you for your success
Christopher Mantooth
Christopher Mantooth
Kristi was the absolute best to work with! She made the process so much easier for us and was there to answer all of our questions, big or small! She was always quick to respond and help when needed. Her guidance made the whole experience less stressful for us! We felt like we were working with a friend the whole time! You won’t find anyone better to help you!
Jennifer Gaddis
Jennifer Gaddis
I just completed my THIRD home loan with TJC and once again they made the process easy and thorough! Kristi was on top of all document needs and helped push the close through despite some permit delays on the building end. I recommend her and the team to anybody looking to refi or buy and I can assure you they will take care of your needs and get the house bought!
Jared Moore
Jared Moore
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Dream it. live it.

Use our free mortgage loan calculator to start estimating how much home you can afford and what your payment will be. This calculator is for estimating purposes only.

There are many factors that can affect your mortgage rate and payment, including credit score, income to debt ratio and current assets. Our mortgage loan specialists at MortgageRight are ready to help you through the mortgage process.

The calculated results are intended for illustrative purposes only and accuracy is not guaranteed. Be sure to consult a financial professional prior to relying on the results.

Dream it. live it.

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